I like the no fees, but from what I can tell the difficulty of withdrawing from Roth 403B. Do withdrawals work the same as Roth 403B?
In other words, with a 403B/401K I can do a backdoor conversion and with a Roth IRA, I can do withdraw my contributions. Can I withdraw my contributions to a Roth 403B?
Since I make designated Roth contributions from after-tax income, can I make tax-free withdrawals from my designated Roth account at any time?No, the same restrictions on withdrawals that apply to pre-tax elective contributions also apply to designated Roth contributions. If your plan permits distributions from accounts because of hardship, you may choose to receive a hardship distribution from your designated Roth account. The hardship distribution will consist of a pro-rata share of earnings and basis and the earnings portion will be included in gross income unless you have had the designated Roth account for 5 years and are either disabled or over age 59 ½.